Personal loans in Clive, IA

Clive added about 2.2% to its population between the 2020 base and the 2023 estimate. A lender that serves Clive operates under Iowa lending statutes and a Iowa supervisor. Pull your credit reports and line up at least three offers before you apply from Clive. A larger market lies at Urbandale, IA about 2 miles away.

Clive: population, trend and location

Here is the sourced Census picture for Clive, plus the Iowa lending rules that apply to a loan taken out here.

• Population: 19,005 — Clive ranks 28th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 2.2% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 403 residents.
• Size percentile: roughly 97% of Iowa's places have fewer residents than Clive's 19,005.
• Population density: 2,483 people per square mile on 7.7 square miles of land.
• Land area: Clive covers 7.7 square miles, the 50th-largest area among Iowa's 940 places.
• Water area: Clive has 0.09 square miles of water, ranking 57th of 940 places in Iowa.
• Share of Iowa: Clive holds about 0.7% of the state's population, some 19,005 people.
• National rank: Clive sits 1,974th by population among the 19,457 places in this dataset.
• Growth rank: Clive's 2020-to-2023 change ranks 80th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Clive moved 2.2%.
• Density in Iowa: Clive ranks 7th by people per square mile.
• Density vs Iowa: Clive's 2,483 people per square mile compare with a state median of 672.
• Location: 41.6132, -93.7979 (Census Gazetteer coordinates).
• Nearest larger cities: Urbandale (2 mi); West Des Moines (4 mi); Waukee (5 mi); Johnston (7 mi); Des Moines (10 mi). Online lenders reach Clive no matter how far the nearest branch is.
• Smaller places nearby: Windsor Heights (4 mi); Grimes (4 mi); Cumming (9 mi).
• Within a 50-mile radius: 128 smaller Census places.
• Within 100 miles: 13 places are larger than Clive.

Clive against the rest of Iowa

Within Iowa, Clive holds roughly 0.7% of all residents, the 28th-largest share among 940 places. On the 2020-to-2023 trend, Clive stands 80th among Iowa's 940 places — roughly the 91th percentile. Its roughly 2,483 residents per square mile place it 7th among Iowa's places. Within 50 miles sit 128 smaller Census places, alongside the 8 that are larger.

Steps to take before a Clive loan

Before you apply in Clive, a community of about 19,005, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

In Clive as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 19,005 residents.

The geography behind Clive

Inside Clive's boundaries lie roughly 7.7 square miles of land and 0.09 square miles of water. That land carries about 2,483 people per square mile. The state's population centre of gravity, Des Moines, is roughly 10 miles away. Within 50 miles of Clive there are 8 larger Census places. The 100-mile radius contains 13 larger places.

The anatomy of a Clive personal loan

With roughly 19,005 residents, Clive is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Clive's 19,005 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Clive loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Clive

Below are the Iowa rules that apply to a loan made in Clive, each with the regulator that issued it.